Short answer: Ocean Point is a Florida DFS-licensed public adjusting firm (#W829547). We work on contingency, we work for policyholders only, and we handle the entire claim from inspection through final settlement: including escalation to appraisal, mediation, or Civil Remedy Notice when the carrier will not pay fairly.
What we handle
Public adjusting is the end-to-end representation of a policyholder in a property insurance claim. When you retain Ocean Point, we:
- Review your policy to identify every coverage, endorsement, exclusion, and deductible relevant to your loss.
- Inspect the property and document the full scope of damage using moisture meters, thermal imaging, drone / Matterport capture where appropriate, and direct photographs.
- Prepare the estimate in Xactimate, the same platform the carrier’s adjuster uses, scoped to rebuild the property to pre-loss condition.
- Submit and manage the claim with the carrier, handling correspondence, proof-of-loss filings, and scheduled examinations.
- Negotiate the settlement scope and pricing, item by item.
- Advance the claim through appraisal, mediation, or Civil Remedy Notice when the carrier refuses to pay fairly.
What it costs
Our fee is a percentage of the recovery, as regulated by Florida Statute 626.854. You pay nothing up front, and nothing if there is no recovery. The specific percentage: within Florida’s statutory caps (10% for declared-emergency claims in the first year, 20% for all other claims): is disclosed and agreed in writing before any work begins. Florida law gives you a 10-day right to cancel without penalty after signing a PA contract.
Our process
- Free claim review. Call us, submit a form, or upload your denial letter / insurer estimate. A licensed adjuster evaluates the claim at no cost.
- Retention. If your claim is suitable for PA representation, we sign a contingency-fee agreement. The 10-day right-to-cancel applies.
- Inspection and documentation. A licensed Ocean Point adjuster inspects the property and prepares the detailed scope.
- Policy review + estimate. We review your policy in depth and prepare a Xactimate estimate matched to the documented scope.
- Submission and negotiation. We submit the claim package and negotiate directly with the carrier on scope and pricing.
- Resolution. Settled directly, or escalated through appraisal, mediation, or CRN. With counsel’s involvement where appropriate, litigation.
- Payment. Carrier issues payment. Our contingency fee is calculated against the recovery.
Looking for a public adjuster outside Ocean Point’s network?
Ocean Point represents Florida policyholders. If you’re outside Florida or want to search a broader directory of licensed adjusters by location, our companion site Public Adjuster Near Me maintains a directory of licensed public adjusters across the country.